Since 2012
CMS Holoul was founded in January 2012, entering the UAE market with a clear focus on excellence in credit management. We secured our first strategic partnerships with leading regional banks.
Three years in, CMS Holoul expanded aggressively — adding major clients across banking, real estate, and launching legal consulting capabilities with Emirates Islamic Bank.
CMS Holoul crossed borders — opening our first international branch in Egypt and partnering with du Telecom. We also launched our Mawared HR solutions vertical to serve workforce clients.
When the pandemic hit, CMS Holoul pivoted quickly — digitising operations and maintaining continuity without missing a beat. This period proved our adaptability and technological readiness.
We grew our active client portfolio to 15 institutions, added Aqqaar as a flagship real estate partner, and opened our fourth international branch in Jordan — solidifying our MENA footprint.
CMS Holoul reached true regional scale — opening new offices in Lebanon (Tripoli) and Jordan (Irbid), earning Etisalat's excellence award, and growing our team to over 500 professionals across 5 countries.
Every decision we make, every partnership we build, and every solution we deliver is rooted in these four principles.
We operate with full transparency and ethical standards in every client engagement, ensuring trust is never compromised.
We hold ourselves to the highest performance standards, continuously improving to deliver outcomes that exceed expectations.
We grow alongside our clients, investing in long-term relationships built on shared goals, mutual respect, and results.
We embrace technology and creative thinking to deliver smarter, faster, and more effective solutions in a changing world.
CMS Holoul is a trusted partner to the UAE's public sector institutions. We work with the Ministry of HR & Emiratisation, Etihad Water & Electricity, and other government entities to deliver compliance-first, technology-enabled solutions. Our expertise ensures alignment with CBUAE, CBR, and TDRA frameworks while maintaining the highest standards of data security and operational integrity.